In fact, we just received the 10 Year Badge for Recommended Insurance Advisors or Experts by Best’s Insurance Ratings. By the way, we are not bragging whatsoever. We just wanted to let our new and devout blog, article, and newsletter readers know that they are not reading or receiving spammy disguised advertising information.

Please note that you see no ads in any of the articles, archives, or newsletters. Also, no annoying pop-ups were ever allowed. Many Google or SERP experts wanted us to monetize the blog <yuck>. I told them – no way – in no uncertain terms.

We have been offered thousands to list adverts on our blog and website. To that I said – that does not follow the vision statement for the website at all – so thanks, but no thanks.

I used to write articles for Google rankings, but no longer do I even attempt to do that. Google has somehow figured out when you just write and not worry about how the article will rank – will be more beneficial than writing an article to get it placed on the first page of the Google organic rankings.

A few of our posts have gone viral over the last few weeks. Some of the viral posts were from 10 years ago. I use the term viral very loosely. A very specific blog expects only so much traffic. J&L is still trying to match the 100,000 daily views from 2013. That figure was not an anomaly.

I have written 99.9% of the articles that you see before you. Original content is better than paying someone to write it and then use my name on it. A few competitors pay for articles. We do not. We will not.

One question I receive often is where do I get the ideas for writing articles or for presentations/webinars? Actually, a good article exists already on the blank page. I am just filling in the required words. Many come from the comments I hear at conferences, meetings, talking with business allies, and so forth.

The only two artificial improvements I have made to the blog is to hire a cleanup person for the last two years to link articles, clean up the spacing, add pictures, fix the copyright info, etc. The other is the frustrating, but good Grammarly. I now run it on every article before publishing them. The $135 per year was worth it (I think). Yes, I broke down and bought the Pro Version.

If you think of any subjects – Workers Compensation centered – that need to be written on, please email me or use the Contact page on the website.

In closing, we do not sell any of our data to any company at any time. Yes, we do use Google tracking, but that only for knowing the number of hits we receive and what the person was searching for in the website. We have chosen not to track individual site visits. That sounds creepy and it is creepy.

Once again, a BIG THANKS for reading the articles and newsletter over the last 11 years. Hopefully, for the next 11 years, there will be a Cutcompcosts to receive good technical Workers ‘ Compensation information.

Workers Comp Writers Block Not A Fun Time

Having Workers Comp writers block for the first time in 11 years ended with this article. The last three weeks contained the longest workers comp writers block for me.

Wikimedia Commons – Drew Coffman

The comment on writing into a funnel means that if I covered a subject in 2008 and now write about it again, the Google search algorithm penalizes duplication.

Matt Cutts, the Google spam guru rep says Google does not penalize duplication. However, if you write two articles on the same subject, each are partially devalued as Google makes a choice on which article gets the juice and ranking.

Of course Google is trying to remove spammers from their rankings. No blame goes to Google.

The last article on the .85 Combined Ratio announced at the NCCI Virginia Conference created quite a bit of buzz. In a roundabout way, Workers Comp carriers consider the market to be potentially profitable.

I began the blog to publish articles on workers comp premium audit and reserves. The writing funnel discourages me from continuing to write on those two subjects.

Many workers comp authors began damning the system a few years ago to get attention. It seems they are still at it today. We decided a few years ago to stop publishing articles that bash one facet or group of people in the Workers Comp business. I just finished reading an article of that sort.

Is it me or has there been way too many articles on opioids (not counting research WCRI, NCCI, etc.)?

One very positive note entails the updating and improvement of all 1,672 articles. Our web consultant contractor works tirelessly to improve the look (graphics, text spacing, and Google ranking) of the blog and website. I have spent 30 – 40 hours in the last two months reviewing and upgrading some of the text.

I begrudgingly removed 30 -40 articles which provided no knowledge advancement in the area of Workers Compensation.

1,672 articles now exist in this blog. Feel free to search them at the box on the top right of the screen.

PS I cannot call it writer’s or writers’ block as the apostrophes in Titles make the HTML go crazy.

Cutcompcosts.com Upgrades Website Access and Readability

We at Cutcompcosts.com are now happier campers, so to speak. Two years ago when we switched from Blogger to WordPress, we hired a company to convert the posts. Unfortunately, most of the posts ran together and caused accessibility problems for certain companies and individuals.

play.google.com(c)

Accessing our posts is why I have written almost 1600 over the last 10 years. We sought out a contractor to straighten out the posts. She has performed well as each post had to be individually edited. Our thanks goes out to our consultant for doing a great job and putting up with the thousands of edits required to make it all work. Whew!

She is still working on the posts to make them more readable and accessible to Google searches. This is a very meticulous task as the posts that were written for Blogger do not have the same SEO requirements for today’s search engines. She also has been reprogramming some of our HTML by hand. I do not envy those tasks.

Over the last few months companies and individuals informed us their servers were blocking our website. That development disturbed and was unacceptable to me. The blog was made to be a repository of articles on Workers Comp costs claims reduction.

If you see any quirks, errors or problems, please let me know at [email protected] or on the contact sheet below. Thanks for reading the blog and newsletter. It has been a wild ride.

If you have any suggestions for articles subjects, let me know. I took off a few weeks after my old friend Dave DePaolo’s passing as I had writer’s block.

I am going back to the basics for the next few weeks. Cutcompcosts.com was meant to be a website that took Workers Comp jargon and turned into plain-spoken information – no more/no less.

Cutcompcosts.com – J&L Risk Management Fixes Mobile Site

Our mobile site was malfunctioning. Thanks for the many emails letting us know something was amiss. We researched the problem and corrected it. We were using date suppression software to allow for easy searching that totally whacked the mobile system. At the sacrifice of our URL’s, we decided to keep the mobile website.

All the article dates were showing as January 1, 1970. I am guessing that the default date is what WordPress defaults to when no clear date is provided.

If you have not tried it, check out our mobile site on your smartphone, Ipad, or similar device. Just open cutcompcosts.com and it will default to the blog. We have been mobile compliant for a year.

We decided to keep the interface very simple to use. Please drop a note to [email protected] if you have any suggestions for improvements.

If anyone would like to know the provider we use for our mobile site, please email me for the company name and website. I try not to advertise any services directly in the articles.

J&L Risk Management Consultants

I originally established J&L Risk Management Consultants, Inc. as J&L Insurance Consultants, Inc in 1996. In 1995, I called the company James J Moore, Risk Consultant for the first year. J&L Insurance Consultants, Inc. morphed into J&L Risk Management Consultants Inc as so many people were calling for insurance quotes, even though as one our charter statements, we do not sell insurance as to give advice on an impartial basis.

Cutcompcosts.com was added in 1999 as it seemed that the earlier one got on board the World Wide Web the better it would be for business. The blog was started in 2007 after I attended a Network Solutions conference on how to increase web traffic. Content was key.

At one time, I used to write a pithy article every day including weekends. Workers Comp is a vast subject. However, many of my posts could have easily become redundant. I try to write as much nuts-and-bolts type articles as possible.

There are presently 1,420 posts online in this blog. I was going to convert the blog to book form until I found out the material would cover 9 – 10 volumes. I do plan to finish up a book in the near future.

Cutcompcosts Is Now Fully Mobile Compliant

Over two weeks ago, Google informed us (Cutcompcosts) that we are not mobile-compliant. As I have a heavy IT background, that seemed to be highly unacceptable.

—We are having a few mobile rendering problems, which is to be expected with a new software system. Hang in there, it will look spiffy soon.

This is the message we received from Google. It sounds serious. I think it was more of a warning shot across the bow, so to speak.

To: webmaster of cutcompcosts

Google systems have tested 1,100 pages from your site and found that 100% of them have critical mobile usability errors. The errors on these 1,100 pages severely affect how mobile users are able to experience your website. These pages will not be seen as mobile-friendly by Google Search, and will therefore be displayed and ranked appropriately for smartphone users.

<We went big on the mobile error rate.>

Fix this now:<<<Idle threat???

1. Find problematic pages
View a report of the non-mobile-friendly pages found on your site, and the issues discovered. Inspect mobile issues

2. Learn about mobile-friendly design
There are a variety of techniques you can use to make your site mobile-friendly. Specifically, look for information about the issues brought up in Webmaster Tools. Follow our guidelines

3. Fix mobile usability issues on your site Fix the issues preventing your site from being mobile-friendly.

Over the weekend, I actually analyzed the Cutcompcosts inbound traffic. The inbound traffic for mobile devices was over 20%. I then realized we had reached the 80/20 rule. (Pareto Principle)

Cutcompcosts is now fully mobile compliant. Feel free to use us on your choice of mobile device. The landing page is actually the blog and not the landing page for desktops or laptops.

If you swipe to the right part of your mobile, the index to the other pages of the website are there.

The theme is bland, but the more bland it is, the easier it will be to use and the faster it will render on your mobile device.

If for some reason, you have any difficulties, please let us know ASAP. We use page-loading accelerators that may interfere with your specific mobile device’s page rendering if not excluded from the accelerator.

I uploaded over 110 exclusions to the accelerator last night. The accelerators should recognize your mobile device. There are so many mobile devices that I am sure we left one or two out of the mix.

CutCompCosts Blog

The CutCompCosts Blog had over 360,000+ Page Views in November.

I was reading through some of the statistics on visitors, unique page views, and general traffic today. Interestingly enough the blog, which is now doing much better on WordPress had over 360,000 unique page views in one day.

We currently used to use Blogger as our blog provider. The switch likely made a difference. The increase could be due to the import to change the blog from Blogger to WordPress.

I was analyzing the numbers to see what articles had driven the most traffic to the website. Interestingly enough, the graph looked like a fad bell curve. No determination could be made exactly what caused the sharp spike in traffic.

The spike was not a mistake. I do not like to use the word anomaly. The total was for one 24 hour period. That is usually our monthly total. Page views are not just web hits. They are actual views by readers.

We are still looking at the data. Thanks from the CutCompCosts blog for reading the articles and blog.

If there are any subjects you wish covered, please email us. We always like new ideas and unique article suggestions.

Switched Blog From Blogger To WordPress

We are back up and running after we switched blog from blogger to WordPress. The process was similar to a tooth that you know needs to be taken care of by the dentist. In March 2013, we switched to a WordPress-based website. The old blog site was left behind as a standalone at blogs.cutcompcosts.com.

Ironically, I could not even send out a message that the blog and newsletter was going to be out of service for a few days that actually turned into a week.

There may be a few kinks in the relocated blog. If you find any problems, please email us so that we can fix them promptly. The WordPress interface is far superior to Blogger. Blogger did serve our posts well for over four years.

There is much work to be done to get the new blog into shape. I am rolling up the proverbial shirt sleeves and getting down to it over the next few days.

One of the reasons we switched was Panda/Penguin penalties due to repetitive meta descriptions and titles. Thanks for your understanding and Let’s Get Back To Saving Workers Comp $$$.

We will miss our old blogging platform as it worked well for quite a few years. Goodbye Blogger.

Comments and Emails – Term Of The Day

Thanks for the comments and emails from everyone on Workers Comp. We appreciate all the interest and feedback with our Workers Comp Term Of The Day that we post every workday. One question or feedback item that we sometimes receive is that we did not fully cover the subject in the Term Of The Day.

J&L Risk Mgmt Consultants started the Workers Comp Term Of The Day as a very quick way to cover a certain term. We may not go into the term very far as that would just be another article. We also have a definitions page to help with questions about a certain Workers Compensation term.

Please do keep adding your comments to the posts as they are one of the reasons I started the blog in the first place. Unfortunately, we do have to use the captcha authorization for comments.

The authorization is needed as we have 25 – 30 attempted hacks per week. I am not sure why someone would want to hack the articles. Once, again, thank you for the comments.

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About Me

James J Moore
Raleigh, NC, United States

James founded a Workers' Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L's mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers' Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James's educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.